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If it’s your dream, aim high. 750+ is ideal. Makes you look like a golden tenant. I got my first apartment in Newport with a 760 and no job letter just contract work and bank savings.

I wonder if it's a Reddit bubble thing. In other forums, business cards are discussed more. Here, it’s mostly CSP, Amex Gold, and Flex. Maybe it’s just the demographic? Younger folks tend to prefer personal cards.

If my refund disappeared without warning, I’d assume it was aliens or DoorDash. Turns out it was garnishment. Yep.........the aliens were the state of Ohio

The credit bureaus don’t record garnishments directly. But public record databases sometimes do. If a lender does a background check or pulls public records, it could come up. Doesn’t affect your score directly but may affect creditworthiness perception.

The best leads are the ones you create. Partner with local realtors, loan officers, and tax pros. You’ll get referrals that convert at 3x the rate of cold data.

Downside? Some gas cards have super low limits ($300-ish) and they don’t increase often. That can hurt your utilization if you’re not careful.

AFS didn’t help me much directly, but they gave me a budget template and credit habit checklist that seriously changed how I handle money. Worth it for that alone.

Color me cautious. More data often just means “more ways to sell your info. I want transparency. Will we have the option to opt out of including certain payments? Will landlords report late rent aggressively but forget the 11 months you paid early?

I hit 850 on two bureaus last year. Took decades of clean history, low debt, and not touching my credit for YEARS. Basically: be boring with your finances and wait.

Credit Repair Boss helped me get a judgment removed. I’m still not sure how they did it, but it worked. I kept records of everything. Keep your expectations realistic and follow up a lot.

you’re not wrong. I’ve seen friends spiral from BNPL stacking. It’s wild how easy it is to click Pay Monthly without thinking. Wish they’d include better disclosures up front.

When I first looked at my report I felt like I was reading a horror story. Turned out half of it was old cable bills and some mystery account from 2012. Cleaning that stuff off was like therapy.

My golden rule is no apps until ALL inquiries fall off. So yeah, I end up in the garden for 2 years sometimes. Totally worth it when i get those juicy 0% APR offers again.

Back in my day, we didn’t get flashy mailers and approval offers at 18. These companies push plastic like candy now. It’s predatory, really. You’re not a customer you’re a future debt machine.

Been there. Trying to fix your credit alone is like trying to put out a grease fire with a blanket....stressful and messy. I never used a company just snowballed my payments and used Credit Karma for guidance. Took time but worked.

If you’ve got legit debts they can’t just delete them. I had two valid collections they couldn’t touch. They did knock off one bogus account which helped. Just go in with realistic expectations.

I used them for 2 months before canceling. No progress, just automated sounding emails. Felt like I was paying for smoke and mirrors. Would’ve been better off spending that cash on my actual debt.

Do y’all really think these bureaus care about our letters? They probably toss them unless you threaten legal action. I say hit ‘em with a CFPB complaint if they don’t move.

Used them in 2020. They were responsive and polite, but not aggressive. One rep even suggested i try paying off a collection instead of disputing. Respect the honesty tbh.

Feels like these companies are the Hogwarts of credit repair ....lots of magic promises but you’re still stuck in Muggle reality when it's over.